I think you have hit on a heretofore undiscovered wellspring of uneasiness.
My gut feeling is that in the case of at least minor points-conflict between users, that for sanity's sake, Dreamwidth's policy is going to be, and going to have to be, that you transfer points to another user at your own risk, transferring points cannot for policy reasons be undone once you have done it, so do not transfer points to a user until the time you think is appropriate to transfer said points, and be wary of third parties who offer to make a transfer for you, because they can scarper with the points at any time. (And once the points are in someone's possession, one can't track them to their origin like one can with serial numbers on bills.) So if say 2/3 of the pool of points get siphoned off for private use, and 1/3 actually goes to the agreed-upon recipient(s), there's no way to tell whose points get refunded. If indeed DW did agree to trace and refund, because I believe there are only the two Terms of Service Enforcement contractors, and for sanity's sake I really don't see the owners allowing Dreamwidth to become an arbiter in transactions, even transactions in its own currency.
And that is where I see the potential for harm -- I'm not particularly thinking that chargebacks would be a problem -- as I understand it, one buys Dreamwidth Points through the shop, which are delivered unto you, and then what you do with them afterwards is your business -- I would imagine that a credit card company, upon hearing that you charged $50 worth of arcade tokens to your credit card, and the arcade company handed over the tokens, and then later in the day you wanted to get $20 of tokens over to your little brother and some guy in the arcade offered to take them for you, and then instead of delivering the tokens, walked off with them -- I would imagine that the credit card company would not be very likely to actually go through with that chargeback.
However, the damage I'm worried about now, given a scenario like that, is in reputation. You head up to the counter and complain "There was this guy, he offered to take my tokens to my little brother, but he plain walked off with them!" and the arcade staff says "Dude, why the hell did you give your tokens to some guy to give to your little brother? There's nothing we can do about that!" ... and you walk off disgruntled, and tell all your friends and the whole internet: "Yeah, I was just at Whizz-Bopp Arcade, and I gave some guy my tokens, and even though it was $20 worth of tokens, the arcade didn't do anything when he walked off with them and didn't give them to the person I said he was supposed to give them too! Even though they have security cameras and everything and they could have seen who he was and found him!"
And people being people, some of them are going to say "Look, you idiot, why did you give $20 worth of tokens to some strange guy, you idiot?" but some of them, who may have had a bad vibe about the arcade already, might decide that even though they like the games there, it's not worth it if the owners won't do anything to discourage the rampant confidence tricksters operating under its roof.
no subject
My gut feeling is that in the case of at least minor points-conflict between users, that for sanity's sake, Dreamwidth's policy is going to be, and going to have to be, that you transfer points to another user at your own risk, transferring points cannot for policy reasons be undone once you have done it, so do not transfer points to a user until the time you think is appropriate to transfer said points, and be wary of third parties who offer to make a transfer for you, because they can scarper with the points at any time. (And once the points are in someone's possession, one can't track them to their origin like one can with serial numbers on bills.) So if say 2/3 of the pool of points get siphoned off for private use, and 1/3 actually goes to the agreed-upon recipient(s), there's no way to tell whose points get refunded. If indeed DW did agree to trace and refund, because I believe there are only the two Terms of Service Enforcement contractors, and for sanity's sake I really don't see the owners allowing Dreamwidth to become an arbiter in transactions, even transactions in its own currency.
And that is where I see the potential for harm -- I'm not particularly thinking that chargebacks would be a problem -- as I understand it, one buys Dreamwidth Points through the shop, which are delivered unto you, and then what you do with them afterwards is your business -- I would imagine that a credit card company, upon hearing that you charged $50 worth of arcade tokens to your credit card, and the arcade company handed over the tokens, and then later in the day you wanted to get $20 of tokens over to your little brother and some guy in the arcade offered to take them for you, and then instead of delivering the tokens, walked off with them -- I would imagine that the credit card company would not be very likely to actually go through with that chargeback.
However, the damage I'm worried about now, given a scenario like that, is in reputation. You head up to the counter and complain "There was this guy, he offered to take my tokens to my little brother, but he plain walked off with them!" and the arcade staff says "Dude, why the hell did you give your tokens to some guy to give to your little brother? There's nothing we can do about that!" ... and you walk off disgruntled, and tell all your friends and the whole internet: "Yeah, I was just at Whizz-Bopp Arcade, and I gave some guy my tokens, and even though it was $20 worth of tokens, the arcade didn't do anything when he walked off with them and didn't give them to the person I said he was supposed to give them too! Even though they have security cameras and everything and they could have seen who he was and found him!"
And people being people, some of them are going to say "Look, you idiot, why did you give $20 worth of tokens to some strange guy, you idiot?" but some of them, who may have had a bad vibe about the arcade already, might decide that even though they like the games there, it's not worth it if the owners won't do anything to discourage the rampant confidence tricksters operating under its roof.